ACF Mortgages Limited

Reference number: 749410

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Lyncombe Consultants Limited Reference number: 618025 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • ACF Mortgages Limited (FRN 749410) is an AR of Lyncombe Consultants Limited (FRN 618025). When you use ACF Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ACF Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Verified phone number

    01909 532020

  • Verified address

    56 Bridge Street, Worksop, Nottinghamshire, S80 1JA, United Kingdom

Also trades as
  • The Mortgage Shop

Company details

From the company's Companies House record.

Company number
10201447
Company status
Active
Company type
Private limited company
Incorporated
26 May 2016 (10 years old)
Registered office
35 Carlton Road, Worksop, Nottinghamshire, S80 1PD, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Gregory John Bartram Director Oct 1966 26 May 2016

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Lyncombe Consultants Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is ACF Mortgages Limited FCA authorised?
ACF Mortgages Limited (FRN 749410) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for ACF Mortgages?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. ACF Mortgages Limited (FRN 749410) is an AR of Lyncombe Consultants Limited (FRN 618025). When you use ACF Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from ACF Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with ACF Mortgages?
Protection works through Lyncombe Consultants Limited, the principal firm responsible for ACF Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is ACF Mortgages a scam or clone?
ACF Mortgages is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is ACF Mortgages's Firm Reference Number (FRN)?
ACF Mortgages's FRN is 749410. You can verify it on the FCA register.